中国小额贷款公司的社会绩效和实现机制摘 要我国建立小额贷款公司的初衷是为被传统金融机构排斥在外的资金需求者提供金融服务，但在发展过程中小额贷款公司发生了“使命偏移”，即比起提供金融服务这一社会目标更加注重经济效益。目前的小额贷款公司在发展普惠金融、弥补金融资源分布不均衡等方面不能有效发挥作用，“三农”和小微企业得不到充足的资金支持，小额贷款公司的社会绩效也不能达到真正的高水平。这些问题导致小额贷款公司可持续发展后劲不足，很多小贷公司濒临破产，经济绩效无从实现，社会绩效更无从谈起。小额贷款公司的社会绩效具有综合性意义，既包括其对经济金融发展的促进作用，也包括对就业、扶贫、分配以及其它社会福利等方面的作用。文章研究了小额贷款公司的社会绩效问题，提出了通过大力发展普惠金融、完善公司运行机制、增加政府持股、进行融资约束、合理运用互联网平台等手段来实现小额贷款公司社会绩效的建议。关键词：小额贷款公司；经济绩效；社会绩效；普惠金融Social Performance and Realization Mechanism of Small Loan CompaniesABSTRACTChina’s small loan companies were set up to provide financial services to fund demanders who were excluded from the traditional financial institutions. But in the process of development of small loan companies, they prefer to make more economic benefits rather than provide financial services. At present, small loan companies can not play an effective role in the development of Inclusive Finance, they can not make up for the unbalanced distribution of financial resources either. "Three rural" and small and micro enterprises can not get sufficient financial support, the social performance of small loan companies can not reach the real high level.The social performance of small loan companies has comprehensive significance. It including its role in promoting economic and financial development, as well as in employment, poverty alleviation, distribution and other social welfare. This paper researches the social performance of small ...
